Hi tsxowwner. Chase's January buy rate lease money factor and residual value for a 36-month lease of a 2012 Legacy 2.5i Base with Alloy Wheels and 12,000 miles per year are .00110 and 53% respectively for consumers who qualify for its top credit tier.

Hi battlle. Chase's January buy rate lease money factor and residual value for a 36-month lease of a 2012 Legacy 2.5i Limited with 15,000 miles per year are .00040 and 52%, respectively for consumers who qualify for its top credit tier.

The numbers for an otherwise identical 39-month lease are .00050 / 50%. The 42-month numbers are .00065 / 49%.

You definitely don't want to lease for 24 months. Subaru's terms for that length lease are terrible.

Subaru increases the residual values for 36- and 39-month terms by 1% for 12,000 miles per year and 2% for 10,000 miles per year.

For 42-months it bumps them 2% for 12k and 3% for 10k.

Chase's base acquisition fee is indeed still $595. They will not waive it, but you can roll it into your vehicle's capitalized cost to bake it into your monthly payment.

Hi tja1. I also need a selling price in order to work up a payment for you. For now I will just work up a couple of different scenarios.

According to my calculations, if you were to lease a 2012 Subaru Legacy 3.6R Premium that has an MSRP of $28,749 with a $1,000 dealer discount through Chase right now for 39-months with 15,000 miles per year, your zero down, pre-tax monthly payment would be around $337.

A $2,000 discount would drop this car's payment to around $311.

I worked up zero down payments because it is in your best interest as a consumer to put as little down as possible when leasing. Consumers who make large down payments risk losing part or all of them if their vehicle is totaled in an accident or stolen and never recovered.

Hi carman, I was just quoted a price on a lease and was wondering if it is a good deal. I am looking at the 2012 subaru legacy 2.5i premium with sunroof and all weather package. On a 42 month lease at 10k per year with $1263 out of pocket (ny taxes and plates) 1st month and dispo fees waived, I was quoted a price of $278.47. The msrp on the car is $25,286. Additionally the car includes, cargo net, all weather mats, auto dim mirrors and rear appliqué .

I was just quoted a money factor of .0008 and a residual of 52% for a 42 month lease on a Legacy. The money factor seems rather high. Is there an "official" money factor rate published somewhere? How does one determine what the money factor "should" be?

Other info: the price quoted for a base model 6 speed manual transmission Legacy with Alloy Wheel Package and Popular Package #1 was $20,700 (MSRP=22,701).

Using the money factor above with $2,000 down, the payment came to 234.65.

Hey mooch722. Do you happen to know what this car's selling price is? I ask because the selling prices of leased vehicles are negotiable, just as if you were paying cash for or financing them. Knowing this number makes it much easier to tell how large a dealer discount you are being given and in turn if there is any room left to negotiate. Let me know and either myself or another helpful community member will tell you what they think.

Ah ha, mooch722. I should have scrolled ahead . OK, so you are essentially getting a $1,000 discount on this car. I suspect that this car probably has a spread of around $1,750 or so between its full MSRP and its dealer invoice price. That puts you at $750 over invoice, assuming that there isn't any cash incentives on this car in your area. $750 over isn't bad, but I wouldn't want to pay any more than that. If you tell me what state you are in, I can try to find out if there's any cash available on leases of this car in your area that you can use to your advantage during negotiations.

Hello stackowax1. Subaru's current buy rate lease money factor for a 42-month lease of a 2012 Legacy 2.5 Limited with manual transmission and the alloy wheel package is .00030, assuming that you qualify for its top credit tier. As you suspected, the money factor that you were quoted is slightly high.

Hi carman, I live in NY State....FYI, the previous deal I was asking about fell through because they wanted to add an additional $20 per month at the last minute and the dealer was playing games with me and I didn't like their attitudes, so I told them to forget it.

I went to another dealer and this is what I was told. The same Subaru legacy premium with sunroof and all weather pkg, $297 a month for 39 months, 10k per year with $1600 down (NY state tax 0.0875 comes to $1,014 plus $595 bank fee and tags) not sure what selling price this was based on. Are these bank fees negotiable? This one is through Chase.. You said there is a spread of about $1,750.... So am I to assume I can negotiate the price of the car down to around $23,500? This is all very confusing and frustrating!! Thanks for your help!!

Hey mooch722. Chase, the bank that Subaru uses as its captive finance company, charges a $595 acquisition fee on every vehicle that it leases. This fee cannot be waived. You can either pay it at signing or roll it into your car's capitalized cost.

You can look up this car's exact MSRP and dealer invoice price over in the New Vehicle Pricing section of Edmunds.com. I personally would shoot for a selling price of a couple hundred dollars over invoice.

Greetings Sam. Subaru's May buy rate lease money factor and residual value for a 36-month lease of a 2012 Legacy 2.5 Limited with 15,000 miles per year are .00045 and 51%, respectively for consumers who qualify for its top credit tier.

Subaru is currently providing a $250 cash incentive on leases of this car in most areas. The incentive on leases of it is a little higher in certain regions, but I don't believe that Boston is one of them.

Hi dad23. Chase's June buy rate lease money factor and residual value for a 36-month lease of a 2012 Legacy 2.5i Premium with an automatic transmission and 12,000 miles per year are .00045 and 54%, respectively for consumers who qualify for its top credit tier.

The numbers for an otherwise identical lease for a vehicle with a manual transmission are .00030 and 53%.

Here's the information that you're looking for my3toos. Chase's June buy rate lease money factor and residual value for a 36-month lease of a 2012 Legacy Premium CVT with 15,000 miles per year are .00045 and 54%, respectively for consumers who qualify for its top credit tier.

Car Guy, I'm beaten up and exhausted. Wanna lease for 24 mos and 12K miles. Dealer told me MF is .00335 and 70% resid. I told him that MF is usery rates. What is the current deal on the MF and resid? I live in MD. Gonna do $3K out of pocket. Thank you.

You certainly can dizzaxter. Chase's August buy rate lease money factor and residual value for a 36-month lease of a 2012 Legacy 2.5i Limited Auto with 12,000 miles per year are .00045 and 54%, respectively for consumers who qualify for its top credit tier.

The numbers for a lease of an otherwise identical 2013 model are .00130 and 61%.

Sorry to hear that you are having a tough time in your negotiations, mrdivot. The money factor that you were quoted actually correct, but what they should have told you is that you shouldn't lease a Subaru for only 24-months. Subaru doesn't provide support on two year leases of its cars and in turn its money factors for that length lease are terrible. Go with a 36-month lease.

Chase's current buy rate lease money factor and residual value fro a 36-month lease of a 2013 Legacy 3.6R Limited with Moon, Nav, and 12,000 miles per year are .00130 and 59%, respectively for consumers who qualify for its top credit tier. As you can see, this money factor is a lot better than the two year factor.

Here's the information that you are looking for, altimate. Chase's September buy rate lease money factor and residual value for a 36-month lease of a 2013 Legacy Premium with All Weather Package, Moonroof and 15,000 miles per year are .00035 and 58%, respectively for consumers who qualify for its top credit tier.

The residual value for a lease with only 12,000 miles per year would be 1% higher.

Hello mishkigammi. Chase's October buy rate lease money factor and residual value for a 36-month lease of a 2013 Legacy Premium with All Weather Package with 15,000 miles per year are .00035 and 58%, respectively for consumers who qualify for its top credit tier.

The residual value for a lease with 12,000 miles per year would be 1% higher.